Net Worth Calculator
Free net worth calculator. Add up cash, investments, home equity, and other assets. Subtract debts. Compare your number against the US median for your age bracket (Federal Reserve SCF).
Last reviewed: · Reviewed by the Money Scale editorial team · How we source our data
Power mode. Every input exposed, every assumption sourced, charts and shareables.
32 years old
What you own (assets)
$8,000
$35,000
$0
$12,000
What you owe (liabilities)
$0
$4,000
$18,000
Your net worth
$33,000
Total assets
$55,000
Total debt
$22,000
Liquid net worth
$21,000
Cash + investments − debt, excluding home equity. The number you could touch in a hurry.
Home equity
$0
Home value − mortgage. Real wealth, but illiquid until you sell or refi.
Compared to US median (Under 35)
US median net worth for your age bracket: $39,000. You're -$6,000 below that median. Source: Federal Reserve SCF.
📊 $33,000
Assets $55,000 − debts $22,000 = $33,000 at 32.
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The Net Worth Calculator adds up everything you own and subtracts what you owe — and then compares your result against US median net worth by age bracket (Federal Reserve Survey of Consumer Finances). Knowing where you stand against your peer cohort is the missing data point most people don't have, and the median (not the mean) is the honest comparison because the ultra-wealthy skew averages far above what's typical.
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Money Scale is built the opposite way from the big finance sites: the numbers you enter never leave your device, and there's nothing to sign up for.
- Your numbers stay privateEvery calculation runs in your browser. We never receive or store your salary, balances, or inputs.
- Always freeNo paywall, no upsell to a calculator that actually works.
- No login, no emailUse every tool instantly — we never gate results behind a signup.
- Sourced defaultsStarting rates and assumptions cite real data, not made-up numbers.
How this calculator works
- Enter cash holdings (checking, savings, money market).
- Enter invested balances (brokerage + 401(k) + IRA + Roth + HSA).
- Enter your home's market value (skip if you rent) and any other large assets (car book value, business equity, valuables).
- Enter outstanding mortgage principal and consumer debt (credit cards, personal loans, auto, student).
- Add any other liabilities (back taxes, family loans, business debt).
- Read the result. Liquid net worth (excludes home equity) is often the more useful figure for decisions like 'can I afford to take a sabbatical' since you can't easily spend home equity.
Net Worth = Total Assets − Total LiabilitiesThe simplest formula in personal finance. Every asset counted at its current market value (not what you paid), every debt at its current payoff balance.
- Total Assets
- Cash + investments + home value + other assets
- Total Liabilities
- Mortgage principal + consumer debt + other debt
Frequently asked questions
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